Ponirah, A., I. Setiawan, A. K. Adisaputra, G. Sakinah, M. L. Wardiyah, and D. Gojali. “Determining Factors Affecting MSME Financing: Efforts to Increase the Macroprudential Inclusive Financing Ratio”. Annual International Conference on Islamic Economics and Business (AICIEB), Vol. 3, July 2023, pp. 75-84, doi:https://doi.org/10.18326/aicieb.v3i0.452.